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Playing By San Antonio’s Driving Rules

Written by Michele Wilmonen. Posted in Research Last Updated: 05/02/2013

San Antonio is not joking when it comes to enforcing traffic laws.

san antonio

At least when you see San Antonio by boat you don’t have to worry about getting a traffic ticket.

Tickets in San Antonio can cost you anywhere from a couple hundred dollars to over $1000. But most important of all is that these laws that San Antonio put in place to force you to drive safe, also help prevent you from getting in a car accident. So obey the traffic laws and then you won’t end up as one of San Antonio’s crash statistics.

Crash Statistics for San Antonio

The year 2011 brought with It 28,212 car accidents in the city of San Antonio. Of these thousands of accidents, only 107 of them were fatal (111 fatalities total).

Compared to the rest of the Lone Star state, San Antonio fatalities only made up 3.5% of the total fatalities across the state. This runs right along with San Antonio only having 4% of the serious accidents in Texas that year, as well.

San Antonio Traffic Tickets

Getting caught speeding in San Antonio will only cost you around $166 for the first 10 mph that you are going over the speed limit. Going faster than that and get caught? You are looking at an addition $5.00 for every mile per hour you are over the speed limit.

So if you are caught doing 30 mph over the limit, you are looking at a ticket of about $266.00.

Decide to get in a hurry in a construction zone? Those tickets start at $235 and go up $10 every mile per hour you are over the speed limit.

San Antonio Car Insurance Requirements

Driving without insurance anywhere in the nation at this point is illegal. The only exception being certain sections of Alaska, but that state is a long ways away from Texas. So while you are driving in Texas, you must be carrying at least the state minimum requirements to be driving your vehicle legally.

The insurance requirements include:

  • Property damage liability coverage of no less than $25,000
  • Bodily injury liability coverage of no less than $30,000 for one person and $60,000 for two of more people

Because insurance is regulate by the state, insurance coverage is the same everywhere within the state’s borders; there is no special insurance coverage needed for driving in San Antonio.

San Antonio Fines for No Insurance

If you think paying for insurance coverage is expensive, it’s nothing compared to the fines that San Antonio will charge you for not having it.

The first time you are caught without insurance, the fines range from $175 to $350. Get caught again and the fine starts at $350 and go up as high as $1000, not to mention you would also lose your license and your vehicle gets impounded at this point.

If you are really feel like pushing the envelope, get caught without both a driver’s license and insurance coverage. Not having either one will land you in jail for 180 days and/or a hefty $2,000 fine.

But as long as you play by the rules while driving in San Antonio, you won’t have to worry about any of these fines.

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Michele Wilmonen

Michele's first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she's earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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